I find the encumbrance rules to be mostly OK, but pehaps a little too lenient. I try to discourage characters from wearing heavy armor. They aren't soldiers who know exactly when they will be entering combat. They're adventurers who have no idea what lurks along the road ahead. I find it very unrealistic that a group of adventurers, while traveling for hours, are going to be wearing plate armor.
"But we have to wear our armor at all times, because a troll might attack us at any moment!"
So you're willing to pay END continuously and reduce your traveling speed? The faster you get to the next town, the safer you'll be.
Also wearing plate armor could be more dangerous in a fantasy wilderness setting due to the containment of body odor. Lots of predatory animals hunt by scent. If you're wearing plate armor all day long, you smell very strong to a hungry monster. Also, if you're hunting for food yourself, all the animals you might want to eat might be able to smell you (and run away) long before you see them.


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